Personal banking

Convenient banking solutions to help you manage and simplify your day-to-day finances. Ecobank Zambia provide you with everyday banking options designed to equip you with the right account for the life you lead. Whether you want essentials or extras, current accounts are right for every moment, or discover a selection of savings accounts to help you and your family grow your money.

Current accounts to help you manage your finances, and make life easier

More flexibility over payments – use the money responsibly up front and pay it back later linked to your account. Easy to use, you'll find your card suits your lifestyle and makes your day-to-day finances easier to manage. Flexibility when you need it - If you're an Ecobank Advantage Account holder or an Ecobank Premier Account holder, you can have more flexibility around your expenses with an Ecobank credit card. Spend money responsibly upfront and pay it back later.

Prepaid Cards

Top up, transfer funds and transact safely locally and globally

Safely load and transfer funds locally and globally

e-Account

The e-Account is a modern way to bank - a secure, electronic account that offers you lower fees when you do all your banking via Ecobank's e-channels. It also offers free downloads of the new Ecobank Mobile App (in selected countries), plus you can sign up to free Ecobank Mobile Banking, Mobile Money and Internet Banking. The e-Account includes an attractive savings rate. Other than a small monthly fee for your Debit Card, there are no upfront charges.

Corporate finance

With the largest Pan‐African corporate banking network of any bank, Ecobank offers efficient and effective solutions to improve their clients' business processes. Ecobank offers comprehensive local, regional and global cash management products and services, allied to a strong local presence and expertise in each of the countries where they have a presence.

Cash and liquidity management

Rapid, reliable and secure pan-African transactions and finance

Tailored to the needs of corporate and institutional clients

Ecobank’s offers solutions - tailored to the needs of corporate and institutional clients in Africa and beyond. Ecobank appoint dedicated Global Account Managers for large Pan-African customers in order to support their businesses comprehensively. Country offices offer regional and local Account Managers dedicated to each corporate, to ensure end-to-end optimal service delivery.

Thir unrivalled network across 36 African countries - means that EcoBank are uniquely positioned to turn expertise, systems and technologies into authentic Pan-African services. Ecobank’s large Pan-African presence coupled with its international presence in Europe, the Middle East and China, makes us the perfect partner for all our customers’ trade finance needs. The breadth of our footprint allows us to effectively capture regional African trade flows. Excellent relationships with major correspondent banks and multilateral agencies, provides us with enhanced capacity and a truly global reach.

Cash and liquidity management - Efficient and effective solutions to improve your business processes. The Ecobank cash management offering revolves around their ability to provide the largest Pan‐African corporate banking network of any bank, allied to a strong local presence and expertise in each of the 36 ‘Middle African’ countries where they have a presence. Ecobank offers comprehensive local, regional and global cash management products and services.

Investment

Ecobank translates its Pan-African knowledge and presence into business opportunity and investment performance, helping to transform Africa’s economies and the lives of the people of the continent, through landmark deals and long term wealth creation. In particular, their expertise in project financing and debt capital markets is unrivalled, with an extensive track record.

Mergers, acquisitions and project finance

Structured trade, commodity finance, equity and debt capital markets

Trusted advisors with innovative and value creating solutions

Investment banking

Ecobank have over 30 years’ experience in Pan-African deal origination and execution related to mergers and acquisitions, structured and project finance, and capital markets. Ecobank is the only bank to trade in Middle Africa’s 16 currencies. It's award-winning research team is based on the ground in key African markets to provide market intelligence from a unique local perspective.

A unique “Middle Africa” franchise

As a result of the group’s presence in 36 Africa countries, Ecobank Capital is able to identify insightful transaction, advisory and deal-making opportunities that might not be visible to international/regional banks and advisory firms.

Rapid growth

In the last five years, Ecobank has experienced rapid growth in deal volumes and value, each growing by over 50% per annum. As a result, it is seeking to diversify its traditional debt and balance sheet focus by developing its advisory capabilities and a stronger capital markets presence.

Focused on partnerships

Ecobank is seeking on building substantive partnerships with banks and other financial institutions, aimed at diversifying its service offerings:

To enhance advisory capabilities on complex, capital-intensive projects, such as oil and gas/power infrastructure.

To widen its distribution network to include international non-bank financial institutions looking for exposure to African assets.

To strengthen its relationships with private equity and debt investors by providing access to its local knowledge network

Solving liquidity, trade and treasury challenges

Ecobank Corporate and Investment Banking is responsible for the Group’s Fixed Income, Currencies, and Commodities-related business across Middle Africa. It offers African and international clients an unrivalled capability to trade currencies as well as sovereign and corporate fixed income securities, together with a wide variety of soft commodity financing instruments in these markets.

Tailored FICC services

Fixed income and currency transactions

Local market knowledge and a good understanding of clients’ businesses trough its on-the-ground presence

Ecobank’s in-country Treasury teams undertake fixed income and currency transactions via a one-stop-shop facility to provide a seamless service. Thanks to thorough knowledge of Middle African markets, economies, and policies, Ecobank is able to meet any requests, be they local, regional, or global, from initial enquiries to completing trades for a wide range of products. Ecobank understand local business customs, regulations and country-specific risks better than any other bank in Africa because they operate ‘on the ground’ each and every day. This enables them to support clients in developing their businesses across Middle Africa.

Loans and mortgages

EcoBank Zambia's personal loans are all-purpose loans, offering flexible repayment plans and the option to access additional funds after a period of time. So whatever you’re financing, Ecobank can support you. A car loan can help you realise your dream of a new vehicle. And if you're buying a new home, or renovating or refinancing your current home, a mortgage loan is the ideal way to finance it.

The freedom to borrow and pay back slowly

Help towards buying or renovating a new home

Help to buy a vehicle, purchase a generator, or overcome a short-term cash flow challenge

Personal Loan - The freedom to borrow and pay back slowly

Personal Loan is an all-purpose loan service offering you flexible repayment plans and the option to access additional funds after a period of time. So whatever you’re financing, it’s easy to lean on EcoBank.

Purpose of loan need not be disclosed

No tangible collateral required

Auto loan / Asset acquisition - Help to buy a vehicle or generator

Auto Loan or Asset Acquisition can help you make your dreams of purchasing a new vehicle or generator a reality, by offering you up to 90% of the cost of the asset:

Sold by approved Ecobank vendors

Convenient repayment plans

Advance facility - Short-term help with cashflow

If you’re suddenly faced with unexpected financial needs, EcoBank can help. Advance Facility allows you to get fast access to up to 50% of your net monthly salary.

Renews every 30 days for up to a year

Charges only apply on utilised amount

Available after a minimum of three months as an EcoBank customer

Ecobank Advantage/Premier Account required

Mortgage Loan - Help towards buying or renovating a new home

Whether you're buying a new home, or renovating or refinancing the home you live in now, Mortgage Loan is the ideal way to finance it:

Repay conveniently over up to 10 years

Available for completed buildings only

Travel Loan - Easily manage your vacation expenses

Travel Loan offers you a simpler way to manage your vacation expenses, and includes discounts on tickets prices and hotel accommodation.

Convenient repayment plans

Salary Advance - Help to get you to pay day

Providing instant access to funds for emergencies, Salary Advance is a 30-day overdraft facility, offering employees of approved organisations access to up to 40% of their net monthly salary:

For short-term financial needs

Available after a minimum of three months as an EcoBank customer

Cash Backed Loan - Access funds without breaking into savings

If you have existing deposits or investments with Ecobank, Cash Backed Loan is a pre-approved, low interest loan that can help you access your cash without liquidating your savings:

Micro finance

Ecobank's Pan-African presence currently helps over 2 million low income individuals through its support of micro-finance institutions. Ecobank offer these micro-finance institutions a range of banking services to increase their capacity to grow. It provides instant access to funds for emergencies, and a salary advance service which gives a 30-day overdraft facility of up to 40% of total salaries bill.

For short-term financial needs

Support to micro-finance institutions

Supports inclusive banking for low income individuals

Micro-finance - Smart inclusive banking for low income individuals

In five countries Ecobank Microfinance serves over 3.5 million micro-entrepreneurs and low income individuals.

Micro-entrepreneurs

Ecobank serves over 1.5 million small income individuals and micro-entrepreneurs across their network. If you’re a micro-entrepreneur or have a small income, Ecobank’s smart banking can offer you:

Micro savings

Micro-loans

Bills payments

Transfers and remittances

Mobile Banking

Advisory services

Micro-finance organisations

Ecobank’s Pan-African presence currently helps over 2 million low income individuals through their support to other micro-finance Institutions. Ecobank offers these micro-finance institutions a range of banking services to increase their capacity to grow and serve more clients.

Electronic payment systems

Ecobank provides a wide range of transfer and payment services, all designed to make life easier for their clients. This is a fast, convenient and reliable way to transfer money across Africa. Send and receive funds quickly, safely and easily with Western Union, MoneyGram and more. When it comes to foreign currency transactions, Ecobank are the market leaders and ideal partner.

Making payments at home and abroad easier and quicker

Has a long-standing relationship with Western Union and MoneyGram

Quick, easy and safe transactions, go cashless, go plastic

Rapidtransfer - send money to your friends and family 24/7

It’s easy, convenient and immediate. You can also send money in person at any Ecobank branch or Rapidtransfer agent. With many agents across 33 countries in Africa, money can be collected as soon as possible.

Remittance partners

Send and receive funds, quickly, safely and easily with Western Union, MoneyGram and more

Western Union - Ecobank has a long-standing relationship with Western Union.

Western Union can be sent or received using the following:

Ecobank account via Retail Internet Banking

ATMs* (receive only)

At Ecobank branches and agent locations

Western Union and Ecobank have developed an exciting new service called Account Based Money Transfer (ABMT). This innovative transfer service allows you to receive your Western Union money transfer through your Ecobank account. To move money to your bank account., visit any Ecobank branch (ATM) or use Ecobank Internet Banking.

Opening an Ecobank account is fast and simple. And with over 1,200 branches in 36 countries across Africa, you’ll always be near a branch. Western Union has a network of more than 500,000 locations* globally, which means you’ll always receive your money quickly, easily and reliably.

Foreign exchange

Looking for competitive rates for your foreign currency transactions? Then Ecobank is the right partner for you. Ecobank are market leaders in foreign exchange transactions and we guarantee: